New Baby? You Have 60 Days to Get Covered

Congratulations — and heads up: having a baby (or adopting) is a qualifying life event that opens a 60-day Special Enrollment Period. That means you don’t have to wait for Open Enrollment to add your newborn to your plan or shop for new coverage. But the clock starts at birth, so let’s move quickly.

Your 60-Day Window

From the date of birth or adoption, you have 60 days to enroll your child or change plans — and coverage can be retroactive to the birth date, so those first pediatrician visits and any NICU time can be covered. Miss the window and you’re generally waiting until Open Enrollment on November 1. Don’t let paperwork steal this from you.

What Changes on Your Plan

Adding a dependent usually changes your premium and may shift your deductible math — sometimes your current plan is still the best fit, sometimes the new family size unlocks better tax credits or a better plan tier. I’ll run both scenarios side by side so you see the real numbers before you decide.

Pediatric Care Is an Essential Benefit

Marketplace plans must cover pediatric services — well-baby visits, immunizations, and pediatric dental and vision — as essential health benefits. I’ll confirm your plan’s pediatric network includes the providers you want before anything is final.

Let Me Handle the Paperwork

You’ve got a newborn; you don’t need a second full-time job in health insurance admin. Send me a text, tell me the birth date, and I’ll take it from there — personally, and always free. My number is 954-787-9118.

How I Can Help

I’m Christopher Horne, a licensed health insurance broker in Florida, Texas, Arizona, Ohio, Michigan, Iowa, North Carolina, Oklahoma, Missouri, South Carolina, Tennessee, Kansas, Louisiana, Maryland, Mississippi, Virginia. Here’s what I’ll do for you:

• Already have coverage? Tell me what you’ve got and I’ll check the gaps — in plain English, no jargon.
• Starting fresh? Open Enrollment runs November 1, 2026 through January 15, 2027 — enroll by December 15 for January 1 coverage.
• My help is free. I’m paid by the insurance company, not by you — and you get my direct business text line at 954-787-9118, not a call center.

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